Believe it or not - 8% is really good on a 5 year old vehicle. Part of what you are going to pay depends on the state you buy in & the year of the vehicle purchase. If you are sub-prime you can count on paying what ever the state max rate is in your state. Keep in mind, you pay the rates where you buy - not where you live (as opposed to sales tax). When I worked in Jax we had tons of buyers from GA come down b/c the rates on new cars was approx 17% vs 29.9% in GA. When you have less than perfect credit, more than the car price comes into play.